The capitalist way to participate in a market is to put money into a system expecting to get that money plus some additional money out.

That additional amount must come from somewhere. Typically from wage labor, but in medicine that money can also be effectively removed from the patient.

The American system enables the wealthy to effectively take money from the sick and their caregivers alike. And the more they take, the more they can invest in the system. It's a positive feedback loop.

In any just system, the sick and the workers would be realizing those benefits.